Volunteer Federal Savings Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Very Weak (0.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 22.6 and a capital leverage ratio of 11.2. A current level of 2.6 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (9.3).
Asset Mix:
Home mtgs (49%), securities (24%), cash (8%), consumer loans (3%), home eq lns (2%), comm re (2%), comm loans (1%), other (13%)
States with Branches:
TN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
108 Main Street
Madisonville, TN 37354
Madisonville, TN 37354
Phone Number
(423) 442-4545
Year Founded
1973
FDIC Number
Website
Largest Affiliates
No affiliate information available.